Skip to content

The Right Critical Illness Cover, Found For You

50% of people in the UK will be diagnosed with cancer at some point in their lifetime, and someone suffers from a stroke every five minutes. Sobering statistics that are easy to ignore until they aren’t. However, having critical illness cover in place means that if the worst does happen, money is the last thing you’ll need to worry about.

Book Your Free Appointment
A woman playing fetch with her dog in the garden

Why You’ll Never Need To Look Elsewhere For Insurance

Completely Free Service

Our advice is completely free. Setting everything up for you? Yep, also free! There are absolutely no catches nor hidden fees, just expert support for you, your family and your home.

Save More Monthly

We work with all of the UK’s biggest insurers, so we’ll always match you up with the one that’s offering the best protection at the lowest monthly cost for your specific situation.

Lifetime Support

Life moves fast, and we’ll move with it. Whenever a new chapter begins, we’ll review your cover to ensure you’re always fully protected, meaning you’ll have peace of mind at all times.

A happy multigeneration family planting flowers in their garden

The insurance most people overlook, but you definitely shouldn’t

We tend to think of serious illness as something that only happens to other people. That is until we or someone we love receives that crushing diagnosis.

The financial impact of a critical illness diagnosis can be almost as devastating as the physical one, with many people forced to reduce their hours or stop working altogether during treatment and recovery.

Without a financial safety net, that lost income can quickly put mortgages and savings under enormous pressure. Critical illness cover removes that pressure by paying out a tax-free lump sum on diagnosis, giving you the freedom to focus on recovery rather than worrying about how the bills will be paid

*For insurance business we offer products from a choice of insurers.

Don’t leave your home unprotected. We’ve got you covered.

Tailored advice built around your life and budget

Providing advice on critical illness cover isn’t as simple as having you answer a quick questionnaire before handing you the cheapest policy possible. Instead, it’s about making sure that if the worst happens, you, your family and your home are truly covered. A few extra pounds in your pocket today is cold comfort if your protection fails you when you need it most.

Of course, making sure it fits comfortably within your budget is just as crucial, and that’s why our dedicated protection advisors take the time to get to know you and your circumstances, so you can get the best of both worlds.

That dedication matters, especially when your situation isn’t straightforward. Most mortgage brokers handle protection as part of the package, and for simple cases that works perfectly well. But complex cases deserve a specialist who focuses on insurance and nothing else, which is exactly why we’ve built a team of them.

Frequently Asked Questions

Most policies cover a core set of conditions, including:

  • Cancer (usually of a specified severity)
  • Heart attack
  • Stroke
  • Multiple sclerosis
  • Major organ failure or transplant
  • Coronary artery bypass surgery
  • Total permanent disability

Policies vary considerably. Some cover 10 conditions, others over 80. It’s also worth noting that what counts as a “heart attack” or “cancer” under your policy may be more specific than you’d expect. We’ll explain all the details so you’re never left in the dark.

You choose your level of cover when you take out the policy. Common amounts range from £50,000 to £500,000 or more, though what’s appropriate depends on your individual circumstances (i.e. your mortgage balance, income, savings, and family situation). We’ll help you work out what amount makes sense for you.

Possibly, but it depends on the insurer and the condition. Some pre-existing conditions may be excluded from cover, others may result in a higher premium, and some conditions may be covered after a waiting period. It’s important to be fully transparent on your application as failing to disclose relevant medical history is one of the most common reasons claims are declined.

In the UK, lump sum payouts from critical illness policies are generally free of income tax and capital gains tax. You can spend the money however you wish, there are no restrictions on use.

Still have questions?

Reach out to us anytime for assistance.

Give us a Call

Discover our other protection services